topic Re: not checking comenity cli box in Credit Card Applications

not checking comenity cli box

Anonymous — Sat, 17 Oct 2015 19:40:20 GMT

I dont know if this has been talked about before but on comenity cli request with box. I leave the box unchecked and just put income and push enter it still submits and comes back with red we need to do 7 to 10 day yada yada 1-800-we are the king of store cards. My question is has anyone got a cli without checking the box when the box is there?

Re: not checking comenity cli box

mossmanb5 — Sat, 17 Oct 2015 20:44:41 GMT

i was wondering the same thing cause now half of my comenity accts have that box

Re: not checking comenity cli box

Anonymous — Sat, 17 Oct 2015 20:46:17 GMT

Neither of mine have a box, unless I'm not looking in the right place. They do have this new thing where the place to fill in income slides in from the right.

Re: not checking comenity cli box

CreditCuriosity — Sat, 17 Oct 2015 22:21:52 GMT

Ya I wonder why some people have this box and some don't such as myself.. Are people pushing it everyday or reaching a certain exposure with them?

Re: not checking comenity cli box

Anonymous — Sat, 17 Oct 2015 22:35:07 GMT

I'm not sure what box your talking about .... 😕

Re: not checking comenity cli box

gibeon — Sat, 17 Oct 2015 23:22:31 GMT

For some of the Commenity accounts, when you request a cli, there is a checkbox under the income to allow them to pull your report.

I get it on Modell's only (never used the card), but not on JCrew, Overstock, Buckle...

Here's a pic...

Re: not checking comenity cli box

Anonymous — Sat, 17 Oct 2015 23:26:02 GMT

@gibeon wrote:
For some of the Commenity accounts, when you request a cli, there is a checkbox under the income to allow them to pull your report.

I get it on Modell's only (never used the card), but not on JCrew, Overstock, Buckle...

Here's a pic...

Is that sliding in from the right? Mine just changed to doing that, but the check box hasn't appeared. Yet.

Re: not checking comenity cli box

CreditCuriosity — Sat, 17 Oct 2015 23:39:17 GMT

YET is key word.. As long as you don't bash it everyday I think you will be fine: I never have had this in the year plus I have had my store card and now Visa.. Guessing it depends on exposure with them and how much you hit it Just specuation though on the reasons for it appearing for some people and not others

Re: not checking comenity cli box

Anonymous — Sat, 17 Oct 2015 23:47:40 GMT

@CreditCuriousity wrote:
YET is key word.. As long as you don't bash it everyday I think you will be fine: I never have had this in the year plus I have had my store card and now Visa.. Guessing it depends on exposure with them and how much you hit it Just specuation though on the reasons for it appearing for some people and not others

I just hit them every 32 days. Works for Overtock, doesn't work for Sportsmans.

Re: not checking comenity cli box

Anonymous — Sun, 18 Oct 2015 01:46:34 GMT

I don't try for cli often for my comenity cards, but the few times I have I haven't seen that box

Re: not checking comenity cli box

CreditCuriosity — Sun, 18 Oct 2015 01:34:36 GMT

How many cards do you have with them?

Re: not checking comenity cli box

gibeon — Sun, 18 Oct 2015 03:02:51 GMT

Captokl, that is sliding from the right.

Modells is the only one for me with that box. They all slide from the right now, but no boxes in the others.

Re: not checking comenity cli box

bldmt — Sun, 18 Oct 2015 03:10:37 GMT

Is the 7-10 a denial?

Re: not checking comenity cli box

someg33k — Sun, 18 Oct 2015 05:24:33 GMT

@bldmt wrote:
Is the 7-10 a denial?

Yes that is a denial.

None of my accounts with them have that checkbox when trying a CLI. I have visa / mc and store cards with them.

Have heard of this before but it seems to be a YMMV thing based on individual profile.

Re: not checking comenity cli box

Anonymous — Sun, 18 Oct 2015 09:47:39 GMT

Be warned, I did this with Victoria Secret and the next day I saw a hard pull on my Experian report from them. I will have to call them to see if they can sorted out because I definately did not give them permission by checking the box.

Re: not checking comenity cli box

CreditCuriosity — Sun, 18 Oct 2015 14:16:00 GMT

@Anonymous wrote:
Be warned, I did this with Victoria Secret and the next day I saw a hard pull on my Experian report from them. I will have to call them to see if they can sorted out because I definately did not give them permission by checking the box.

Anytime you ask for credit whether you check the box or not one can expect their credit to be pulled as you are asking for more credit. Although evidence shows comenity typically doesn't HP pull, there has been plenty of cases that they have pulled peoples credit. With that said I wish you the best of luck on them removing the HP as it can go either way.

Re: not checking comenity cli box

Anonymous — Sun, 18 Oct 2015 13:35:47 GMT

So far I haven't come across the box on any of my Comenity backed cards. Currently have Sportsman's, Modell's, Total Rewards, Overstock, Wayfair, Carson's, HSN, J. Crew and Victoria's Secret. The CLI boxes all now slide in from the right but no box to check and hopefully I won't see one appear. The only card that is doing anything different for me these days is the Carson's card. There is no CLI request box anymore but I think that's because I'm at 30k on it which appears to be the max on it.

Re: not checking comenity cli box

Anomalous — Mon, 19 Oct 2015 05:41:23 GMT

@Anonymous wrote:
Neither of mine have a box, unless I'm not looking in the right place. They do have this new thing where the place to fill in income slides in from the right.

Ditto